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All of our home loan originators are registered with the Nationwide Mortgage Licensing System and Registry (NMLS System). To obtain the NMLS identification number of a Banco Union Bank Loan Officer, please call our Client Assistance Center at 800-325-2424. The NMLS identification number can be used to search the NMLS National Database
to view their background information.

The following information applies to the mortgage products featured above
  • Featured Rates include 0.125% off the rate with an automatic payment deduction (ACH) from a Banco Union Bank Personal Checking account, for loan amounts up to $1,000,000. There are no ACH discounts for loan amounts over $1,000,000. This discount does not apply to Government Assisted Mortgages. ACH offer is subject to change without notice and may be withdrawn at any time.
  • The payment amount shown includes principal and interest. Your actual payment will be higher if escrow payments for property taxes and/or insurance are made in addition to the regularly scheduled loan payment.
  • Combined Loan to Value (CLTV) up to 90% for certain mortgage products, property types and loan amounts.
  • Mortgages are available in CT, MA, NY and RI.
  • Rate assumes purchase of a primary residence, single-family property.
  • Actual rates may vary based on credit qualifications, loan amount, CLTV, term and geography. Rates are subject to change on a daily basis.
  • All loans are subject to the normal credit approval process.
  • APR assumes 20% down payment for a single-family property and a Loan Origination fee of $900 on the fixed-rate and adjustable-rate mortgages, and $950 on the jumbo mortgage. APR also includes 0% - 2.0% (points) of the loan amount depending on which rate option is selected.
  • Interest rate will be based on an index known as the 30-day Average SOFR index published by the Federal Reserve Bank of New York.
1Fixed-Rate Mortgage: Annual Percentage Rate (APR) on a Banco Union Bank Fixed Rate mortgage is listed as an example only and does not represent a guaranteed rate by Banco Union Bank. Rate quoted is valid as of the effective date listed on the Fixed Rate mortgage page. Rates are subject to change at any time. Please call 1-877-647-5137 or visit Banco Union BankBank.com to check the latest rates. Rate includes a 0.125% discount for automatic payments (ACH) made from a Banco Union Bank personal checking account. This discount does not apply to all mortgage products. Quoted rate displayed for 30 Year Fixed is for loan amount less than $647,201. Quoted rate displayed for 15 Year Fixed is for loan amount less than $647,201. All loans are subject to the credit approval process. This offer is subject to change without notice and may be withdrawn at any time. Rate assumes purchase of a primary residence, single family property.

2Adjustable-Rate Mortgage: Annual Percentage Rate (APR) on a Banco Union Bank Adjustable Rate mortgage is listed as an example only and does not represent a guaranteed rate by Banco Union Bank. Rate quoted is valid as of the effective date listed on the Adjustable Rate mortgage page. Rates are subject to change at any time. Please call 1-877-647-5137 or visit Banco Union BankBank.com to check the latest rates. Rate quoted is a variable rate and will change every 6 months after the initial fixed period. The interest rate will be determined by adding the index to the margin. Rate includes a 0.125% discount for automatic payments (ACH) made from a Banco Union Bank personal checking account. This discount does not apply to all mortgage products. Quoted rate displayed for Adjustable Rate Conventional 7/6m mortgage is for loan amount less than $647,201. Quoted rate displayed for Adjustable Rate Conventional 10/6m mortgage is for loan amount less than $647,201. All loans are subject to the credit approval process. This offer is subject to change without notice and may be withdrawn at any time. Rate assumes purchase of a primary residence, single-family property.

3Jumbo Mortgage: Annual Percentage Rate (APR) on a Banco Union Bank Jumbo mortgage is listed as an example only and does not represent a guaranteed rate by Banco Union Bank. Rate quoted is valid as of the effective date listed on the Jumbo mortgage page. Rates are subject to change at any time. Please call 1-877-647-5137 or visit Banco Union BankBank.com to check the latest rates. Rate assumes a loan amount of $647,201 or greater and automatic payments (ACH) made from a Banco Union Bank personal checking account. There are no ACH discounts for loan amounts over $1,000,000. This discount does not apply to all mortgage products. Quoted rate displayed for 30 Year Fixed Jumbo mortgage is for loan amount greater than $647,200 Quoted rate displayed for 15 Year Fixed Jumbo mortgage is for loan amount greater than $647,200. All loans are subject to the credit approval process. This offer is subject to change without notice and may be withdrawn at any time. Rate assumes purchase of a primary residence, single-family property.

 
 

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